*APR = Annual Percentage Rate. Variable APR. Rate Adjusts monthly and equals prime rate for previous month plus a margin range based on credit worthiness. Applies to Purchases and Balance Transfers. Your actual APR will be determined at the time of approval and will be based on your application and credit information. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history. This is not a firm offer of credit. These are summary descriptions only. Additional terms, conditions and exclusions apply. Please refer to your card's Guide to Benefits for specific information.